Commercial Property Insurance

Business insurance for commercial property owners by Prosura

If you operate your own business from commercial premises or have bought building(s) that you let to other businesses, you’ve made a significant investment that needs to be protected.

Just like your home, you’ll want to protect your premises with appropriate cover. However, when it comes to this type of insurance, there are a range of complications that could affect the insurance. As an example, is your property used for retail? Has it been adapted by a long standing tenant to accommodate their manufacturing plant and machinery?

Insurance can be complex – and its certainly not all that interesting; but it is needed to protect your investment and this is why we exist. Prosura is here with jargon-less advice and friction free access to a range of commercial property insurance policies from a range of leading UK insurers.

What does commercial property insurance include?

Just like home insurance, there are basically three main types of cover – buildings insurance, loss of rent insurance, and property owners liability insurance too.

Therefore, whether you are the business owner-occupier or let the premises to tenants, you will want to take out buildings insurance. Where the commercial property is mortgaged, it is likely to be a condition of your mortgage contract.

What other business insurance might a commercial property owner need?

There are a whole host of additional covers that you may wish to consider, the most common requirements include:

Commercial property owners liability insurance.

Public liability insurance protects you from costs when a tenant or visitor is injured on the property, or has their property damaged, and seeks compensation.

Employers liability insurance. Required by law in the UK where you have anyone working for you – even on a casual or part time basis.

Why choose Prosura to buy this insurance?

We’re here to let you get on with running your business by providing friction free access to expert advice and high quality insurers and we’re on hand with professional advice as your business evolves and expands.

We also give all our Commercial Property Insurance Clients free access to PROSURA Digital Lawyer, consequently saving them hundreds of pounds a year on Legal Fees.

For your Commercial Property insurance cover requirements, contact the specialist brokers at Prosura today.

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